Home Loan Eligibility Calculator
Home Loan Eligibility Calculator
See how much home loan your salary can actually support — and the property budget and down payment that go with it.
You could borrow about
₹0
Based on an EMI of ₹0/month
How this works: Banks size a home loan on your FOIR — the share of net income that can go to all EMIs together, typically 50% for salaried borrowers. Your existing EMIs are subtracted first, and the remaining EMI capacity is converted into a loan amount at the rate and tenure you choose. A second cap applies: the RBI's loan-to-value limits mean banks fund up to 90% of property value on loans up to ₹30 lakh, 80% from ₹30–75 lakh and 75% above ₹75 lakh — the rest is your down payment. Your actual sanction also depends on credit score, age, job stability and the lender's own policy. Educational estimate, not a loan offer. Work out the monthly cost with our EMI calculator.